BlastPoint's Credit Union Scorecard
GREATER CHAUTAUQUA
Charter #3759 · NY
GREATER CHAUTAUQUA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Total Assets: Bottom 1.5% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Total Loans: Bottom 3.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +4.3% year over year ($90.5M in shares and deposits).
- Membership: 9,488 members, -1.0% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 1.01%.
- Efficiency ratio 76.04% vs a 76.73% peer average.
- Loan-to-share ratio 48.26% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,488
-1.0% YoY-0.2% QoQ
|
-5.7K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$102.3M
+5.0% YoY+1.3% QoQ
|
$-129.7M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.4% in tier |
| Loans |
$43.7M
-2.6% YoY+0.7% QoQ
|
$-102.6M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.7% in tier |
| Deposits |
$90.5M
+4.3% YoY+1.1% QoQ
|
$-110.2M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.4% in tier |
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| ROA |
1.0%
-17.6% YoY-1.4% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.5%
+0.4% YoY+2.1% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
76.0%
+3.3% YoY+0.6% QoQ
|
-0.7% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.9%
-25.0% YoY+0.9% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
48.3%
-6.7% YoY-0.4% QoQ
|
-23.3% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.2% in tier |
| AMR |
$14,136
+3.0% YoY+1.2% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
19.6%
+7.1% YoY+0.4% QoQ
|
-4.9% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)